COMPANY PENSIONS & INSURANCE
HOW WE CAN HELP YOU
We have worked with a number of companies of varying sizes in different sectors, helping them to put in place arrangements to benefit and protect their employees and their business.
- You are meeting your obligations to provide for employee pensions
- Your employees understand their pension benefits?
- You are protected if one of your key employees or fellow business partners falls sick?
- That you are getting the best deals on commercial or property finance?
We can also run seminars to help your employees understand what is being provided, how they can participate and how to plan for and approach retirement.
Auto enrolment is not regulated by the Financial Conduct Authority
A pension is a long-term investment. The fund value will fluctuate and may go down. Future income payments will be affected by the size of the fund at retirement, future interest rates and tax legislation.
Your employees are all important to your business and if any of them fall sick your business could suffer, especially if they are major shareholders, fellow directors or senior managers. We can help your company protect itself with policies such as:
- shareholder protection – this insurance provides a lump sum for the remaining partners, shareholding directors or members on the premature death of an insured business owner. The sum can be used to purchase the deceased person’s shareholding, thus allowing the remaining business owners to retain control of the business. The cover is paid for by the business and can also be extended to include critical illness cover.
- relevant life / key person insurance – this is when a life assurance policy is taken out by a company to cover a key employee. In the event of premature death the company receives a lump sum which can be used to cover the costs of replacing the key employee on a temporary and permanent basis. It is paid for by the company and can also be extended to include critical illness cover.
These insurance policies have no cash in value at any time and will cease after a claim or at the end of the term. The cover will lapse if premiums are not maintained.
WE AIM TO GIVE YOU SECURITY, PEACE OF MIND AND A SENSE OF DIRECTION